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Farmers Insurance: Towing and Roadside Assistance

farmers insurance towing

More than 30% of drivers experience a roadside emergency each year, which is why every driver needs an insurance plan that can pay for potential incidents. Drivers also need vehicle insurance that makes claims simple when dealing with the costs of a breakdown.

Farmers Insurance began in 1928 by offering its services exclusively to farmers who needed auto insurance. Farmers Insurance now offers a full range of auto insurance to all types of drivers. Farmers’ policies have many tiers of coverage to suit each driver’s experience and preferences.

Though not a legal requirement, towing and assistance insurance comes with several benefits. Insurance from Farmers can make a significant difference in the cost of rescuing a vehicle. Even standard Farmers’ plans can cover emergency towing, roadside assistance, and fuel deliveries.

How Does Farmers Roadside Assistance Work?

Lifting a vehicle onto a flatbed trailer is expensive and time-consuming. Farmers Insurance might cover the cost of extracting a vehicle and transporting it to a distant specialist for repair. This service is on standby and ready to come to your aid 24/7 for any type of auto crisis.

Farmers standard auto insurance covers you whether you are the passenger or the driver. You can also add specific features to your policy. Add-ons can include having your vehicle repaired at any service center across 42 states.

The best way to ensure you are eligible for Farmers towing insurance is to have an existing insurance policy with the company. Having several policies under the same insurer can also help you save on annual premiums and might even give you more benefits.

What Does Farmers Roadside Assistance Include?

Many insurers will place a limit on their insurance policies, including the amount they’ll contribute to a tow. A tow vehicle can cost anywhere from $70 to $130 to pick up a car, plus an extra $4 for each mile towed. Many basic auto insurance policies only cover the first $75-$150 of this cost.

More thorough coverage might include transporting the vehicle to a specialist mechanic. It might also include transportation costs to an official distribution center for repairs. Drivers must specify the type of vehicle they want to cover and its designated service center on the towing insurance in advance.

Farmers Insurance should cover the full cost of a tow back to a local garage or the owner’s property. It should also cover basic roadside assistance costs, such as emergency fuel, tire changes, and jump-starts.

Farmers’ auto insurance with roadside assistance includes benefits such as:

  • 24/7 emergency call center and assistance
  • Towing in 42 states
  • Flat tire assistance (including tire changing)
  • Fuel assistance
  • Locksmith service
  • Jump-start and battery replacement
  • Winching
  • Minor roadside repairs

What Doesn’t Farmers Roadside Assistance Include?

Because of the costs involved in recovering vehicles, Farmers might set cost limits on its benefits. To keep premiums reasonable, the company often limits tows to three per year. Farmers might also set a roadside assistance cap on the cost of a callout emergency. The insurer might pay up to a set distance, and the policy owner must cover the rest.

Drivers might also find their policies do not include complicated recoveries. The policy might state, for instance, that the company will only winch and lift a vehicle if it’s no further than 10 feet from the main road. Farmers might also limit the time spent on recovery to one hour.

Weighing Farmers’ Towing and Roadside Assistance Plan

Farmers Insurance offers prompt service and all the coverage types you need at competitive rates. Here are the benefits of adding its towing and roadside assistance plan to your policy:

  • Cost: Premiums vary, but you should be able to attach the towing and roadside servicing policy for less than $2 a month.
  • 42-state protection: If you need nationwide coverage, determine which states you drive in and whether the towing policy applies in those states. You might also want to confirm whether the plan covers transporting the vehicle to another state for repairs.
  • Basic coverage: Basic Farmers Insurance offers essential roadside assistance such as tows, tire-changing, and locksmithing.
  • Options: You can easily attach roadside assistance to any of your existing Farmers Insurance policies. Doing so prevents you from having to sign up for a comprehensive roadside service plan from another provider.
  • Towing: Farmers offers generous coverage, including the cost of a tow, at low premiums. The company might ask you to include on the policy a towing address for the vehicle in advance of needing a tow.
  • Callouts: Towing and assistance insurance will cover up to three roadside emergencies per year.

The few downsides of Farmers’ towing insurance are:

  • Mechanical: Farmers Insurance will not cover the costs of labor or parts resulting from a breakdown. The company will only cover the cost of getting the vehicle to a designated repair shop.
  • You must be an existing customer: Farmers goes out of its way to help its current clients. If you have auto or home insurance with Farmers, you can add towing and assistance insurance onto those policies.
  • No interruption compensation: Farmer’s Insurance towing does not cover time lost from work or the expenses of being away from home. You must pay for hotel stays, meals, and other costs associated with the breakdown yourself.

Is Farmers’ Towing and Roadside Assistance Insurance Worth It?

The process of applying for Farmers Insurance towing is simple — even more so if you have an existing home, life, renters, or auto policy with the company. The cost of this coverage is far lower than the costs associated with paying for an emergency callout, and you can use it up to three times a year.

Farmers Insurance also offers large discounts to college students, loyal customers, and drivers with few claims. If you’re looking for great service and the security of knowing your vehicle’s towing costs are covered, choose Farmers’ towing insurance.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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